Corning Credit Union in New York vs the state
11.0%Denial rate-8.71 pts vs state
12.1%Decision denial rate-11.90 pts vs state
69.0%Origination rate+9.38 pts vs state
6.14%Median rate-0.49 pts vs state
-0.05Rate spread (pts)-0.26 pts vs state
$96kMedian applicant income
787Loans originated
126Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,073 | 777 | 12.4% | 6.64% | #72 |
| 2024 | 971 | 682 | 10.5% | 6.88% | #83 |
| 2025 | 1,141 | 787 | 11.0% | 6.14% | #79 |
What Corning Credit Union lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Corning Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Steuben County | 517 | 374 | 45 | 8.7% |
| Chemung County | 408 | 265 | 61 | 15.0% |
| Schuyler County | 59 | 35 | 9 | 15.3% |
| Monroe County | 25 | 19 | 2 | 8.0% |
| Yates County | 14 | 12 | 0 | 0.0% |
| Tompkins County | 12 | 10 | 0 | 0.0% |
| Tioga County | 11 | 6 | 1 | 9.1% |
| Ontario County | 11 | 6 | 1 | 9.1% |
| Erie County | 9 | 6 | 0 | 0.0% |
| Onondaga County | 8 | 6 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 1,141 applications in 2025, of which 787 were originated and 126 denied.
11.0% of all applications, or 12.1% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Corning Credit Union originated in New York in 2025 was 6.14%, against a statewide median of 6.63%.
About this data. Figures are Corning Credit Union's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology